• Comprehensive Financial Planning

• Investment Management

Comprehensive financial plans are customized for each client but may include cash flow, real estate analysis, investment recommendations, executive benefits review and stock plan strategies, retirement outlook, tax planning and preparation, insurance review, estate planning, education planning, etc.

First of all, yes, we are a fiduciary. The fiduciary standard means that we are required to put our client's interests first when we make a recommendation. While this may seem like a no-brainer, it is not universal in the industry.

We are fee-only financial planners, which means we cannot receive commissions and do not sell financial products.

We offer a few options:

• Asset-Based Fee. This is a percentage of the investments under our management and is deducted directly from your account. (Minimum annual fee of $7,500 may apply)

• Flat Fee for Comprehensive Financial Plan. Financial planning with no investment management. (Our standard fee is $7,500 for individuals and $10,000 for couples)

• Hybrid. We could combine an asset-based fee with a planning fee for investment clients below our minimum fee.

We can provide a customized proposal after getting to know you better!

Our meetings are virtual, which allows us to work with any US Resident.

Our investment philosophy is deliberately simple:

• We think long term.

• We seek to minimize costs, including taxes.

• We keep it simple. There are complex trading strategies out there, but we focus on long-term, cost-efficient asset allocation and keeping an appropriate risk for each client.

What does this mean for your portfolio?

• We are likely to recommend a low-cost, diversified portfolio of exchange-traded funds. The allocation of funds in the portfolio will depend on your financial goals and tolerance for risk.

• If you have an existing taxable portfolio, we will carefully assess each of your holdings and determine the tax implications (capital gains/losses or estate planning considerations) of any proposed transactions.

In either case, we will:

• Work with you to define your investment goals and tolerance for risk.

• Monitor the performance of your portfolio over time and rebalance as appropriate, usually 1-2 times per year.

Unfortunately, not at this time. Our resources are limited, and we need to focus on our long-term clients.

If you are looking for hourly planning, you may want to search for planners at Garrett Planning Network or XY Planning Network.

Ready to start crafting your personalized financial plan?

Schedule a 15-minute introduction call with our advisors here!

After our introduction call, the team at Cultivating Wealth will set up a personalized consultation and proposal.